Utkarsh Small Finance Bank Ltd Q4 FY2025 net profit at Rs. 2.96 crore

Utkarsh Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 1166.7330 crores during the period ended March 31, 2025 as compared to Rs. 1037.9238 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 2.9673 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. -168.0547 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 0.03 for the period ended March 31, 2025 as compared to Rs. -1.52 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹ 1166.7330 crs	₹1037.9238 crs	12.41%
Net Profit	₹2.9673 crs	₹-168.0547 crs	101.77%
EPS	₹0.03	₹-1.52	101.97%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs. 1166.7330 crores during the period ended March 31, 2025 as compared to Rs.1016.3049 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs.2.9673 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.159.6565 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.0.03 for the period ended March 31, 2025 as compared to Rs.1.44 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹ 1166.7330 crs	₹1016.3049 crs	14.80%
Net Profit	₹2.9673 crs	₹159.6565 crs	-98.14%
EPS	₹0.03	₹1.44	-97.92%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.4364.7603 crores during the Financial Year ended March 31, 2025 as compared to Rs.3578.7550 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.23.7005 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.497.6285 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.0.22 for the Financial Year ended March 31, 2025 as compared to Rs.4.75 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹4364.7603 crs	₹3578.7550 crs	21.96%
Net Profit	₹23.7005 crs	₹497.6285 crs	-95.24%
EPS	₹0.22	₹4.75	-95.37%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹1854.3838 crs	₹1176.7645 crs	₹417.5782 crs
Gross NPA %	9.43%	6.17%	2.51%
Net NPA	₹905.2731 crs	₹457.690 crs	₹4.4892 crs
Net NPA %	4.84%	2.50%	0.03%

Gross NPA was at ₹ 1854.3838 crs in Q4 FY2025 against ₹ 417.5782 crs in Q4 FY2024. The same was at ₹ 1176.7645 crs in Q3 FY2025.

Net NPA was at ₹ 905.2731 crs in Q4 FY2025 against ₹ 4.4892 crs in Q4 FY2024. The same was at ₹ 457.690 crs in Q3 FY2025.

GNPA was at 9.43% of Gross advances as on March 31, 2025 as compared to 2.51% as on March 31, 2024 and 6.17% as of December 31, 2024.

Net NPA was at 4.84% of Gross advances as on March 31, 2025 as compared to 0.03% as on March 31, 2024 and 2.50% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	0.01%	-0.64%	0.72%
CAR (BASEL III) %	20.93%	21.10%	22.57%

Return on Average Assets (RoA) is at 0.01% for Q4 FY2025 against -0.64% in Q3 FY2025 and 0.72% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 20.93%, as compared to 21.10% in Q3 FY2025 and 22.57% in Q4 FY2024.

Shares of Utkarsh Small Finance Bank Limited was last trading in BSE at Rs. 24.75 as compared to the previous close of Rs. 24.76. The total number of shares traded during the day was 74504 in over 528 trades.

The stock hit an intraday high of Rs. 25.09 and intraday low of 24.52. The net turnover during the day was Rs. 1846079.00.

Source : Equity Bulls

Keywords

UtkarshSmallFinanceBank Q4FY25 Q4FY2025 FY2025 ResultUpdate